I have known Tobe Gerard in both professional and personal capacities for 10 years. Tobe is professional, intelligent, insightful, conscientious, thorough, and caring. Although I had a previous opportunity to purchase an employer-sponsored Long Term Care insurance plan, I chose to purchase through Tobe instead. Tobe presented me with an excellent range of options, patiently walked my husband and I through them (several times), promptly provided any further information we requested, and carefully discussed the pros and cons of each plan and variable. She (again, patiently!) answered my questions on filling out the application and kept us updated about its’ progress. When the insurance company wanted additional information and I was unable to respond due to a family emergency, Tobe smoothed the way for me. I could not possibly recommend anyone more highly than I recommend Tobe Gerard.

You have completed your job in helping us with LTC insurance. And so, I want to thank you for your help. You have been just wonderful – very professional, efficient, clear, and with a human touch and a heart. One cannot count on all of that from the professionals we work with. We are thoroughly satisfied with your work on our behalf. We will be happy to recommend you to others.

Tobe is an exceptional professional with deep knowledge and commitment to her clients. She is a woman of uncompromising integrity and I recommend her without reservation. I’ve recommended her to my own clients, and the best recommendation I can give her is that she also wrote the LTC policy for my Mom.

What a stroke of luck and providence that my financial advisor suggested I talk to you about my mother’s Long Term Care Insurance. As an attorney, I have been dealing with insurance for thirty years. However, I never had experience with Long Term Care Insurance. I have come to appreciate your advice and expertise over these last several months.

Having longevity issues in both of our families we realized the importance of, and the need for, comprehensive long term care coverage. Knowing the complexity of this product we wanted to work with the best–someone who is very knowledgeable in the product and would have the credibility that would give us a level of comfort that they had our best interests in mind. We did extensive research to find the business partner that we wanted to work with. After reading many articles we felt that we knew what we were looking for. Tobe’s website was very professional and the testimonials there were impressive. To verify the validity of what we read we even participated in all of the educational webinars that she offers. That sealed the deal. She obviously knew the subject matter inside and out and came across as the type of caring person that we would be comfortable working with. We are very glad that we made the decision that we did. We recently purchased a shared policy. During the entire process Tobe was by our side explaining, educating, and guiding us. With both of us being financial professionals we tended to ask a lot of questions. Tobe was able to answer all of our questions and was very patient in providing us with a level of comfort that the product we purchased was the best option for us. Regardless of whether you are very knowledgeable in this area or are a novice in this subject matter, we highly recommend Tobe as someone you should work with.

Nine years ago my family and I purchased a long term care policy for my mother from Tobe Gerard. Tobe was wonderful to work with, helping us find a policy that was affordable and that provided a basic safety net for my mother. Now, my mother is 92 years old and needs to draw on her policy benefits. I called Tobe for help in navigating the claims process. She jumped right in, got things moving and my mother is now receiving needed benefits. What impressed me most about Tobe is that she not only works hard to find the best insurance products for her customers, she also cares that the policies she sells deliver on the benefits they promise.

Tobe Gerard of Tobe Gerard Insurance worked with my wife and me in developing a plan for our insurance needs. She made us understand the nuances and intricacies of the terminologies, and various services vis-à-vis the premiums. Tobe readily and patiently answered our questions in detail, and walked us through the application process. Her initial interview with us was phenomenal in sifting through our needs and wants, and to finally design an appropriately tailored policy that met our requirements. We would enthusiastically recommend this agency to our friends.